
【槓桿人生】 專為想提升財商與理財能力的一般人而設。 會分享自己的投資思維、槓桿操作經驗與大盤指數觀察, 也會聊生活中那些真實的大小事。 只要具備正確的財商與心態, 無論你是上班族、小資族,或剛起步的新手投資人, 都能一步步打造屬於自己的自由人生。 🎧 用槓桿放大報酬,用投資放大人生。 ———— 【支持節目】 所有投資分享依然週五免費公開,不設額外隱藏內容。 開啟會員是給覺得節目有價值、想支持我長期分享的朋友一個選項,僅為純粹的支持管道(每月 25 元)。 🔗 支持連結: www.youtube.com/channel/UCm9y7UOusDTjQ0rspg7NT5w/join ⚠️ 建議用YT網頁版操作,避免 Apple 額外手續費 ———— 主持人|Ivan 各社群連結如下: solink.soundon.fm/ps541021 -- Hosting... more
| Publishes | Weekly | Episodes | 35 | Founded | 8 months ago |
|---|---|---|---|---|---|
| Language | Number of Listeners | Categories | InvestingEducationBusiness |

【本集內容】
台股融資餘額創下歷史新高 6074 億,你也跟風借信貸、質押買正二了嗎?牛市的帳面獲利最容易讓人忽略真正的危機,這集直接點出槓桿投資的 4 個致命風險,教你提早算出維持率與現金流,建立不被抬出場的防禦 SOP!
想靠槓桿投資放大 ETF 獲利,卻擔心遇到空頭崩盤付不出利息?千萬別讓借錢投資變成壓垮生活的重擔!本集深入剖析信貸與質押的底層邏輯,跟著 6 個防禦步驟穩健控管維持率,打造真正能安心睡覺的資產配置!
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【章節標記】
00:00 閒聊:重感冒與幼稚園說... more
【本集內容】
遇到軟體或買車該訂閱還是買斷?別被「分期付款是給人賺利息」的迷思綁架! 本集用特斯拉 FSD 取消買斷制為例,帶你用富人的 4 大決策框架算清「機會成本」,打破無債一身輕的線性思維陷阱,把資金留在真正能幫你生錢的地方!
買斷真的最划算嗎?這集帶你跳脫傳統的財務盲點,完整解析訂閱制 vs 買斷制的 4 個核心決策維度! 節目後半段更加碼解答:台股槓桿倍率操作實戰、0050正二到底能不能長期持有,以及揹負高額千萬房貸如何優化現金流,陪你建立高勝率的資本配置!
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【章節... more
【本集內容】
明明手握千萬房產,卻只能眼睜睜看著 AI 飆股列車開走?這集教你打破「無債一身輕」的散戶迷思,善用比股票質押更穩定的「理財型房貸」與「一般增貸」!把死守的鋼筋水泥變成源源不絕的現金流提款卡,不僅沒有斷頭維持率的壓力,還能隨借隨還。現在就跟著我們徹底活化房產,讓全世界最聰明的企業幫你打工!還在苦苦追求提早還清房貸嗎?你可能白白放棄了國家給普通人的「超強金融特權」!這集深度解析有房族專屬的千萬搬錢術,破解「一般增貸」與「理財型房貸」這兩個贏過質押的神級工具,並完整揭露理專絕對不敢告... more
【本集由「農純鄉」贊助播出】
✨ 為什麼選擇農純鄉? ✨
🐔 極致純粹|原味滴雞精
• 堅持只取第一道初淬精華,100% 不摻一滴水!
• 業界唯一敢公開養雞場,成分純粹只有「雞」。
• 真正零負擔:0 脂肪、低熱量,鈉含量為市售最低。
🐟 在地嚴選|七星鱸魚精
• 嚴選台灣在地七星鱸魚,承諾絕不使用抗生素、動物藥劑與除草劑。
• 採生態養殖取代傳統養殖,讓每尾魚都有充足的空間健康成長。
💡 Ivan 專屬推薦買法 💡
🎁 送禮首選: 原味滴雞精 8 ... more
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希望業配置入短一點
Ivan你好。很開心收聽到你的節目,開啟我對投資理財的興趣。本身從2025年開始每月佛系投入3、4千元買0050,因為本身還有房貸,所以拿不出更多錢。加上最近我一直以為很穩的靠山被詐騙了好幾百萬,頓時引發我自己的焦慮。聽到你的分享覺得未來又透出了一點光!!目前打算延長房貸年限來降低月付,並使用理財型房貸投入一筆0050。聽了好幾集都在談使用信貸,請問建議用理財型房貸嗎?可以的話,建議是每月只還利息,還是本息攤還呢?感謝解惑,祝您全家身體健康、平安快樂!!
感謝IvanChika無私分享,請教關於台股大盤槓桿調節,您之前說主要透過0050原型與現金的轉換、0050正二與現金的轉換、還有0050原型與正二的時候轉換(有錯請指正謝謝)。想問的是原型與正二間的比例關係或有沒有原型應該佔最少幾成的建議,例如分配4-4-2跟2-5-3等於都是1.2倍,實際上有什麼差異嗎?第二個問題想問正二最慘就是歸零嗎,還是可以更慘。另外能不能閒聊一下,想問您的身高還有座駕,純粹的小粉絲好奇。感恩愛您
Ivan您好
想請問
(1)00662在8月1拆5後,即便已匯撥到元大證金,在元代證金app的張數也會直接乘以5張嗎?
(2)Ivan在資產累計階段,會把質押出來的金額(抓4成),再購買0050或00662嗎?目前策略是考慮質押出來購買後,先不在匯撥過去二次質押,當成大跌時可以再補維持率的防禦性資產。
(3)第一次匯撥過去元大證金後,除了原本券商中的股票會消失,在集保e手掌握中也不會把匯撥過去的股票(即便匯撥過去沒有用質押)顯示為自己的資產。心中總有一點點不踏實感,不知道Ivan當初如何克服這樣的心理狀態
先祝闔家平安,全家幸福快樂喔!
感謝Ivan大每週的分享,每一集都會重複聽上好幾次。
想請問您,您有提到現在的beta大約在1.45左右,如果流動資產中有1/3是借貸來的,那財務槓桿就是 3/2 = 1.5倍,因此淨資產曝險槓桿 = 1.45 * 1.5 = 2.175倍。
請問您除了控制Beta之外,淨資產曝險槓桿會控制在某個區間嗎?還是說您依然會以Beta為主,隨著借貸的錢增加,淨資產曝險槓桿有可能會跑到3都沒關係。
想知道您對於Beta與曝險槓桿之間的想法,謝謝您!
How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.
Apple Podcasts | #236 | |
Apple Podcasts | #74 | |
Apple Podcasts | #7 | |
Apple Podcasts | #15 | |
Apple Podcasts | #69 | |
Apple Podcasts | #199 |
Listeners, social reach, demographics and more for this podcast.
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槓桿人生 launched 8 months ago and published 35 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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